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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $77,006 | $106,749-27.9% | $145,433-47.1% | $82,448-6.6% |
| Participation rate | 76.0% | 75.6%+0.4pp | 82.1%-6.1pp | 68.1%+7.9pp |
| Annual return | 17.78% | 27.59%-9.8pp | 66.58%-48.8pp | 41.64%-23.9pp |
| Employer contribution / active EE | $3,936 | $3,444+14.3% | $4,554-13.6% | $2,551+54.3% |
| Participant deferral / active EE | $5,777 | $6,519-11.4% | $7,897-26.8% | $4,139+39.6% |
| Admin fee / account holder | $684 | $8,390-91.8% | $13,129-94.8% | $7,234-90.5% |